About This Home

This 3-bedroom, 5-bathroom townhouse at 654 Market St in Saint Augustine, FL is listed for $889,000 ($227 per sqft). Built in 2014, the home offers 3,916 sqft of living space on a N/A lot.

Key Features

  • Built in 2014
  • 3 stories

Property Details

3 stories
3 full, 2 half
2-car garage
2014

Amenities

A/C
Listing Description

One Property. A World of Possibilities! Whether you envision living and working under one roof, enjoying your home while generating rental income, or creating a flexible retreat for family and guests, this unique property offers a world of possibilities.

Live in the spacious townhome while operating your business or leasing the commercial space, and put the separate studio apartment to work as an additional income opportunity. Short-term rentals are permitted for either the townhome or studio apartment giving you even more flexibility.

From the charming, shop-lined street, step off the brick-paved sidewalk through your private front entrance. Or arrive through your garage and enter from the rear through your own walled courtyard. The second floor is dedicated to comfortable everyday living, featuring beautiful engineered hardwood floors, a gas cooktop, a walk-in pantry and a built-in bar.

Upstairs, two spacious primary suites offer private balconies, generous walk-in closets, and bathrooms with upgraded travertine tile and each has a shower and a garden tub. And there's a third-floor laundry for your convenience. Leave your car in the garage and enjoy the convenience of walking to the pool, tennis courts, golf course, fitness center

, suana, pickleball courts, clubhouse, barber, salon, dog groomer, or even to your very own cafe tenant for coffee and fresh baked goods-all right outside your front door! Other quality features inlcude: light-filled end unit with additional west-facing windows, airy 10-foot ceilings, commercial-grade concrete and steel construction, fire sprinkler

system for added safety, high elevation, most desirable flood zone and energy-efficient spray-foam attic insulation. Homeowners insurance is included in the HOA fee. Don't miss out on this unique and versatile opportunity!

Monthly Cost Estimate

$5,555/mo

20% down · 6.5% · 30 years

Principal$643
Interest$3,852
Insurance$259
HOA$800

Estimates only. Actual payments may vary.

Location

654 Market St

Saint Augustine, FL 32095

Crosswinds at Palencia

Property Details

Flooring

WoodTileCarpet

Construction

Concrete Block Stucco Shake Siding

Parking

Garage

Heating

CentralElectric (Heating)

Cooling

Central AirElectric

Questions & Answers

This 3-bedroom, 5-bathroom townhouse at 654 Market St is listed at $889,000 ($227/sqft). The estimated monthly payment is $5,554 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $800/month.

Key features include: Built in 2014, 3 stories.

This property is listed by Jill Miles.

JM

Jill Miles

Agent at Sunshine Realty & Appraisal Services, LLC

Listed by Sunshine Realty & Appraisal Services, LLC · Broker phone: (904) 471-9259 · View on Broker Site · Broker website

MLS# 264574· Source: St. Augustine & St. John's County Board of Realtors· 7 days on PropertySimple

Copyright © 2026 St. Augustine & St. John's County Board of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

654 Market St, Saint Augustine, FL 32095

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